HDFC Bank
HDFC Bank Marriott Bonvoy Credit Card
4.0 / 5diners
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Base reward
- 0.8%
- Min income
- ₹1,00,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 3.2% | Uncapped |
| Dining | 1.6% | Uncapped |
| Entertainment | 1.6% | Uncapped |
Benefits
- ▸12 complimentary domestic airport lounge visits per year and 12 complimentary international lounge visits per year, accessed directly by swiping the Diners Club card (no separate Priority Pass needed).
- ▸Complimentary Marriott Bonvoy Silver Elite status for the card membership year.
- ▸10 Elite Night Credits annually, counting toward higher Marriott Bonvoy elite tiers.
- ▸Earns Marriott Bonvoy Points (not HDFC Reward Points): 8 pts/Rs.150 at Marriott hotels, 4 pts/Rs.150 on travel/dining/entertainment, 2 pts/Rs.150 on other spends.
- ▸Complimentary golf access (2 games or lessons per quarter at participating courses).
- ▸No reward points earned on fuel, rent, wallet loads, government payments and EMI transactions.
The good
- + Strong value for Marriott loyalists: complimentary Silver Elite status, 10 Elite Night Credits and a Free Night Award every year.
- + High accelerated earn of 8 Marriott Bonvoy Points per Rs.150 at Marriott hotels (~3.2% value-back).
- + Generous lounge access of 12 domestic and 12 international visits per year with no quarterly cap.
- + Diners Club platform allows direct lounge entry without carrying a separate Priority Pass.
- + Up to 3 additional Free Night Awards via milestone spends (Rs.6L / Rs.9L / Rs.15L).
The catch
- − No fee waiver: Rs.3,000 + GST joining and annual fee with no spend-based waiver.
- − Base earn of 2 points per Rs.150 (~0.8%) is low on non-bonus spends.
- − No reward points on fuel, rent, wallet loads, government payments or EMIs.
- − Diners Club acceptance is narrower than Visa/Mastercard at some Indian merchants.